Don’t believe the marketing hype about rolling your 401(k) into an IRA just because you left your job. You don’t have to. Your next move should make sense in your overall financial plan and your Roth conversion strategy.

With a new year right in front of us, now is the perfect time to give yourself a head start preparing for a brighter financial future. While many New Year’s resolutions quickly fade to the back of the closet of good intentions, there are some easy ways to begin to bring you financial peace of mind.